Visa Gold (from 20161101)

Card validity 3 years.
From 1 October 2014 new MasterCard Gold cards will not be issued. The terms and conditions and the fees are effective to the previously issued but still valid cards.
*This fee is also applied if the customer had specified to the bank that the card will be collected at the bank’s outlet but afterwards requested to send it by mail.
**Cards are renewed provided that at least one card transaction was performed within the past six months.
***The fee is applied if the card is lost, damaged, if PIN code is forgotten, if card is demagnetized, if latin letters are changed to Lithuanian ones or visa versa. In case of change of the cardholder's name and/or surname, the chard is replaced free of charge provided that the card expires within maximum 2 months.
****By submitting an application to issue a card in urgent procedure at the Bank's branch by 10:45, you can collect the card at the end of the bank's following business day at the Bank's branch indicated in the application.

The customers to whom cards were issued during campaigns or the customers receiving inflows from a legal entity that has agreed with the Bank on transferring funds in payment card linked accounts may be subject to payment card service fees and conditions other than those indicated in the Pricelist. The customer can gen information about these fees and conditions at his workplace, at the Bank's outlet or by dialing short code 1608. Upon expiry of the conditions set during the campaign or no income received from the legal entity in 3 subsequent months, the Bank starts charging the payment card fees and conditions set in the Pricelist.

Cash withdrawal fees are debited on a daily basis, monthly fees are debited on the last but one workday of each month.

Account fees and transaction fees set in the Pricelist are separately charged for using the payment card linked account and for transactions performed therein without using a payment card

The Bank has the right to unilaterally change the Pricelist, terms and conditions, fees, interest and/or their calculation and payment procedure for the payment card servicing and for the provision of payment services, as well as other banking service fees following the procedure set in the General Rules on the Provision of Services of the Bank and the Terms and Conditions for the Provision of Payment Services with at least 60 calendar days' notice to the Customer who is a consumer. The above mentioned notification is handed over to the Customer personally or announced publicly. Publicly available notification is regarded as an appropriate way of informing the Customer about a unilateral change of the Terms and Conditions for the Provision of Payment Services and/or the Price-list. It shall be deemed that the Customer agrees with these changes provided that before the day of the entry of changes into force he has not notified the Bank that he disagrees with these changes. In such case the Customer has the right to refuse the card without delay before the effective date of the amendments and to pay no commission fee for that. If the Customer does not avail of the right to waive the card before the effective date of the amendments, it shall be deemed that the Customer agrees with the amendments made.

The customer may get information about the fees specifically applied thereto during the bank's business hours in all DNB bank's outlets or by dialing the short-code 1608.

Example of the annual rate calculation on the overall credit price (Visa Gold)

If the Bank issued EUR 2,500 credit in the payment card account for 36 months' period, the overall amount payable by the borrower would make EUR 3,836.98 and the overall annual rate of the credit price would make 19.29%.

The calculations include the interest paid during the credit period (16% fixed annual interest rate was used for the calculation), card issue fee of EUR 6, and payment card administration fee of EUR 3.50 per month.

The overall annual rate of the credit price and the overall amount payable by the borrower is calculated assuming that the total Credit Limit is used on the Credit Limit issue day and is fully repaid on the last effective day of the agreement and the interest for using the Credit Limit is paid every month.

*At Perlo paslaugos, UAB Perlo lottery terminals (cash withdrawal and depositing), at Lietuvos paštas, AB branches and PayPost (cash withdrawal only) following the lists of locations of the Bank's partners provided on DNB Bankas website: Perlas terminals, Lietuvos paštas branches, PayPost.

*Non-standard limit requires use of service Safe card.

A cash withdrawal or payment transaction performed is not deducted from the used day limit before 24 hours from execution thereof.